Personal Cfo

cfo help

When to Use This Skill

AUTO-TRIGGER when user's message contains:

• Keywords: budget, expense, income, finance, spending, money, financial, 预算, 支出, 收入, 财务
• Asks about tracking expenses or managing money
• Wants to analyze spending patterns
• Needs financial recommendations
• Requests budget reports or summaries

TRIGGER EXAMPLES:

• "Track my expenses"
• "I spent $50 on food today"
• "What's my monthly budget status?"
• "Show me my spending analysis"
• "帮我记录今天的支出"
• "我的预算还剩多少？"

DO NOT USE when:

• Only general financial advice (use general knowledge)
• Stock/crypto trading (use specialized tools)
• Tax calculation (use tax tools)

Core Features

Complete personal finance management solution:

• 💰 Transaction Tracking - Record income and expenses with 15+ categories
• 📊 Budget Management - Set and monitor budgets by category and period
• 📈 Financial Analytics - Analyze spending patterns and trends
• 💡 Smart Recommendations - AI-powered financial suggestions
• 📄 Reports Generation - Monthly and yearly financial reports
• 🔒 Privacy-First - Local JSON storage, no cloud required

Agent Usage Guide

Important Notes

Personal CFO uses local JSON storage at ~/openclaw-personal-cfo/data/ by default.

All commands are available through three CLI aliases:

• openclaw-personal-cfo (full name)
• personal-cfo (simplified)
• cfo (short alias)

Primary Commands

Add Transaction

Add Income:

cfo add income <amount> <category> [description]

Add Expense:

cfo add expense <amount> <category> [description]

Example:

cfo add income 5000 salary "Monthly salary"
cfo add expense 50 food "Lunch at restaurant"

List Transactions

cfo list [limit]

Default shows last 10 transactions.

Set Budget

cfo budget set <category> <amount> <period>

Example:

cfo budget set food 500 monthly
cfo budget set entertainment 200 monthly

Check Budget Status

cfo budget status

Shows all budgets with current spending and status (safe/warning/exceeded).

Generate Reports

Monthly Report:

cfo report monthly [year] [month]

Yearly Report:

cfo report yearly [year]

Financial Analysis:

cfo analyze

Provides comprehensive analysis with recommendations.

Categories

Income Categories

• salary - Regular employment income
• freelance - Freelance/contract work
• investment - Investment returns
• gift - Gifts and red envelopes
• other-income - Other income sources

Expense Categories

• food - Food and dining
• housing - Rent, mortgage, utilities
• transportation - Transit, fuel, car maintenance
• entertainment - Movies, games, hobbies
• healthcare - Medical expenses
• utilities - Electricity, water, internet
• shopping - Clothing, electronics
• education - Books, courses, tuition
• travel - Trips and vacations
• other-expense - Other expenses

Budget Periods

• daily - Daily budget
• weekly - Weekly budget
• monthly - Monthly budget (most common)
• yearly - Annual budget

Usage Examples

Example 1: Daily Expense Tracking

User: "I spent $50 on lunch and $30 on coffee today"

Agent executes:

cfo add expense 50 food "Lunch"
cfo add expense 30 food "Coffee"

Example 2: Monthly Budget Setup

User: "Set monthly budget: $500 food, $200 entertainment, $1000 housing"

Agent executes:

cfo budget set food 500 monthly
cfo budget set entertainment 200 monthly
cfo budget set housing 1000 monthly

Example 3: Financial Analysis

User: "How am I doing financially this month?"

Agent executes:

cfo analyze

Shows spending breakdown, budget status, and recommendations.

Example 4: Generate Report

User: "Show me my financial report for January 2026"

Agent executes:

cfo report monthly 2026 1

Data Storage

Default Location

• Transactions: ~/openclaw-personal-cfo/data/transactions.json
• Budgets: ~/openclaw-personal-cfo/data/budgets.json
• Config: ~/openclaw-personal-cfo/data/config.json

Custom Data Directory

Set custom location via environment variable:

export CFO_DATA_DIR="/path/to/custom/data"

Technical Specifications

• Platform: Node.js >= 18.0.0
• Language: TypeScript
• Storage: JSON files (local)
• Currency: USD (default), configurable
• Date Format: ISO 8601

Programmatic Usage

Personal CFO can also be used as a library:

import { PersonalCFO } from 'openclaw-personal-cfo';

const cfo = new PersonalCFO();

// Add transaction
await cfo.transactions.createTransaction(
  'expense',
  'food',
  50,
  'Lunch',
  new Date()
);

// Set budget
await cfo.budgets.createBudget('food', 500, 'monthly');

// Generate report
const report = await cfo.reports.generateMonthlyReport(2026, 1);
console.log(report);

Troubleshooting

Issue 1: Command Not Found

Error: command not found: cfo

Solution:

npm install -g openclaw-personal-cfo

Issue 2: Data Directory Permission

Error: EACCES: permission denied

Solution:

mkdir -p ~/openclaw-personal-cfo/data
chmod 755 ~/openclaw-personal-cfo/data

Issue 3: Invalid Category

Error: Invalid category

Solution: Check available categories with:

cfo help

Agent Behavior Guidelines

When using this skill, agents should:

DO:

• ✅ Parse user input for amounts, categories, and descriptions
• ✅ Confirm transactions before adding them
• ✅ Provide clear summaries after operations
• ✅ Suggest budget setup for new users
• ✅ Offer insights from analysis

DON'T:

• ❌ Make financial decisions without user confirmation
• ❌ Modify existing transactions without permission
• ❌ Share financial data externally
• ❌ Assume currency (always confirm if unclear)

Privacy & Security

• 🔒 All data stored locally
• 🔒 No cloud sync or external API calls
• 🔒 No tracking or analytics
• 🔒 User controls all data
• 🔒 Open source, auditable code

Full Documentation

• GitHub: https://github.com/ZhenRobotics/openclaw-personal-cfo
• NPM: https://www.npmjs.com/package/openclaw-personal-cfo
• Quick Start: See README.md in repository
• API Docs: See docs/ directory in repository

Version History

v1.0.0 (2026-03-08)

Initial release with core features:

• Transaction tracking (income/expense)
• Budget management
• Financial analytics engine
• Report generation
• CLI interface
• OpenClaw agent integration

Project Status: ✅ Production Ready

License: MIT

Author: @ZhenStaff

Support: https://github.com/ZhenRobotics/openclaw-personal-cfo/issues

ClawHub: https://clawhub.ai/ZhenStaff/personal-cfo